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Personal Finance
If You Have Considered a Reverse Mortgage, Now Might Be the Best Possible Time to Tap Into Your Home Equity Reverse Mortgage is an idea whose time is now. Factor together our aging population, exploding home values, and the high cost of living, there is so much home equity that seniors age 55 and over...
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Text:Rising Interest Rates And Your Mortgage Background: Well-lit home in the evening
Published: • Since the summer of 2017 we have seen the Bank of Canada Prime interest rate increase five times – from a low of 2.7% to the current 3.95%. This means that most homeowners with variable rate mortgages saw their mortgage payment increase five times in eighteen months! At the same time, five-year fixed...
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Published: • Get the best mortgage possible by paying off your consumer proposal early It seems to be happening more often these days where chartered banks might not renew the mortgages of borrowers who included the bank’s credit cards and lines of credit in a consumer proposal or personal bankruptcy. Earlier this year Cindy and Miles Baird...
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Why Everyone Needs An Account With CRA, and How To Open One These days dealing with the Canada Revenue Agency is so much easier if you take advantage of their online services. They have a portal called Your Account, which contains an incredible amount of your personal past and current tax related information, all in...
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ASKROSS’s Top Thirty Tips For Being ‘Casually Frugal’ With Your Money In my financial planning and credit counseling businesses I get to see how people spend their hard earned money. It is always mystifying how so many will complain about there never being enough money to go around, yet to me they seem to be...
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Always Ask Whether the Mortgage You Are Offered Includes a Portability Clause A buyer called me recently to pre-approve him for a $490,000 mortgage as he is upgrading the family home. Today he  has a $250,000 mortgage  with a major chartered bank.  I am able to comfortably approve him with practically any lender, but I...
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High Quality Credit Score Just As Essential to Renters As Home Buyers If you have rented an apartment in the past, you know that landlords typically ask you about your credit history. Tenants need a good credit history as much as home buyers looking for a mortgage do. In fact, we believe all Canadians should pay...
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